1205 Kirk Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 1205 Kirk Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,804 sqft · built 2021
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$63,600 (Nov 2020)
Tax Bill	$7,490 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2020 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-17-150-019-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-150-019-000`

Interior

Bedrooms	3 Beds
Building Area	1,804 sqft Living Area
1st Floor Area	1,804 sqft
Basement Area	1,804 sqft
Unfinished Basement	1,804 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1205 KIRK LN
City	WATERLOO
State	IL
Zip	62298-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 19 REMINGTON RIDGE PHASE 2
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	REMINGTON RIDGE
Legal Lot Number	19
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4023
Census Tract	600401

Owner

Source: Monroe County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1205 KIRK LN, WATERLOO, IL 62298-1901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS COMMUNITY BANK
Nov 12, 2020	Warranty Deed, Construction Loan · Construction Mortgage CITIZENS COMMUNITY BANK
Nov 12, 2020	Warranty Deed, Transfer ACCENT TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2020 · Amount on Record
Deed Sale	Nov 12, 2020 · Amount on Record
Prior Sale	Nov 12, 2020 · Amount on Record
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1205 KIRK LN, WATERLOO, IL 62298-1901
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420151
Date	Oct 5, 2021
Instrument	420151

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

November 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 12, 2020
Property Address	1205 KIRK LN, WATERLOO, IL 62298-1901
Document Number	0000412426
Instrument Date	Nov 10, 2020
Instrument	412426
Transaction Type	Construction Loan
Record Updated	Apr 3, 2023
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Tax	$96.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 SPRING DR, WATERLOO, IL 62298-2566

Mortgage

Document Number	0000412427
Date	Nov 12, 2020
Instrument	412427

Lender

Name	CITIZENS COMMUNITY BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 12, 2020
Property Address	1205 KIRK LN, WATERLOO, IL 62298-1901
Document Number	0000412425
Instrument Date	Nov 10, 2020
Instrument	412425
Transaction Type	Transfer
Record Updated	Dec 2, 2020
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Tax	$75.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	210 STANHOPE LN COLUMBIA IL 622363420, COLUMBIA, IL 62236-3420

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Waterloo City
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$141,760 (+35.29%) Land $16,790 Building $124,970	$425,280 (+35.29%) Land $50,370 Building $374,910
2024	$7,490.00
2022	Additional exemption filed	$104,780 Land $15,410 Building $89,370	$314,340 Land $46,230 Building $268,110

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Harrisonville Telephone Company Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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